acknowledgment of God’s authority and His forgiveness should be daily as well. Each day must begin with a clean heart, meaning that we have no unconfessed sin in our lives. What are the essential elements in making sound financial decisions? Adequate knowledge and the wisdom to apply it. “The fear of the Lord is the beginning of knowledge; fools despise wisdom and instruction” (Proverbs 1:7). Thus it is vital in financial breathing to recognize that it is God’s knowledge and wisdom you are seeking.